5 Smart Internet Businesses To Start for Under $50

internet-businesses-to-start5 Internet Businesses to Start

There are many business ideas available on the internet. If you have an interest in learning how to start your own business, it is quite likely that you have already researched many of these ideas. Unfortunately, many of the business ideas that you are easily able to stumble across require a large initial investment. The truth of the matter is, most people that utilize the World Wide Web in order to discover business ideas are doing so because of the fact that their current income is limited. Therefore, it is virtually impossible for many with an entrepreneur spirit to invest a lot of money in business startup. This is why we have created this guide. Here, you will be introduced to 5 smart internet businesses you can start for $50 or less. Regardless of your financial situation, $50 is a relatively low amount. This is especially true when you look at that $50 as an investment into your financial future; an investment that has the potential to make you thousands upon thousands of dollars in return.

The Advantages of Starting an Internet Business
If you are seeking business ideas so that you may start your own business, you already know that the internet has completely revolutionized the way in which individuals – and, the world as a whole – conducts business both locally and globally. Whether a business is engaging in tasks such as obtaining information on their competition, promoting their brand through social media, or simply setting up consumer promotions on their sales page, utilizing the internet is highly advantageous. Starting a business on the internet is a cost-effective way to sell products and/or services to consumers. The World Wide Web is a virtual window to the entire world, which allows you to reach consumers around the globe. In addition to this, communicating with consumers is simple, quick, and inexpensive. Now that you know and understand the advantages of using the internet to start your own business, it is time to introduce you to the 5 smart internet businesses that you may start for $50 or less!

Freelance Specialist
When it comes to inexpensive business ideas, freelance is at the top of the list. While many may not consider freelance work as a legitimate business, it actually is and is constantly in demand – not only among individuals, but other businesses, as well! Depending on the education, skills, and experience that you have, you have the potential to offer your services to multiple companies across many industries. As a result, you will find that your work offers a large level of flexibility and a general change of pace that is highly refreshing. Content creation, photography, website design, and technical services are among the most popular types of freelance work available today on the internet. If you want to start your own business for $50 or less, you may use these business ideas to get started!

Social Media Consulting
Social media is quickly becoming one of the best and most respected venues for businesses that have a desire to market their products and/or services, advertise their company, build their brand, and build their customer-base. A social media consulting business will allow you to setup and/or operate or maintain the Facebook, Twitter, and LinkedIn accounts that they own. Essentially, you are responsible for creating and customizing a social media strategy for each of the businesses that opt to hire you and act on that strategy.

Billions of people shop online on a regular basis. If you are searching for business ideas for $50 or under, you may want to consider going into retail. This is a relatively easy way to start your own business. You simply create an online store where you sell a certain type of product – such as cell phones, organic pet food, or health supplements – and then promote that business through social media platforms and other venues. In doing so, you have the ability to attract customers from all around the world. You simply need a web host, e-commerce software and/or capabilities, and a website. Then, you place your products on your website and promote!

Gift Creation Specialist
Each year, every single person around the world celebrates a birthday, a holiday, and other types of special events. This means that there is a very high demand for individuals that specialize in gift creation – especially custom gifts. You may take pictures and create memory movies on DVDs. You may have an artistic inclination that allows you to draw and/or paint an image of someone on canvas. You may be able to write a story, illustrate it, and transform it into a memory book. You may be able to create customized clothing pieces, or be able to take pictures of special events, such as graduations and weddings. You simply take a talent that you possess and transform it into a business where it may transform into a form of income.

Resume Creation Services
When it comes to business ideas that you may start for $50 or under, resume creation services is a very popular option. In today’s world, a resume could mean the difference between gaining employment and standing in unemployment lines. As a result of this fact, many individuals are turning to resume creation services in order to ensure that they stand out among applicants. If you have a knack for building resumes and a passion for helping people, this is one business that you should consider.

If you want to start your own business, there are many ideas fore internet businesses to start. If you are limited to $50 or less as an initial investment, the options listed in this guide are sure to set you up for a good start. All it takes is a little research, an inventory of your education, skills, and experience, as well as a little bit of creativity, and you are sure to come up with business ideas that are perfectly suited for you. Remember, always pursue your passion. In doing so, the profits are sure to follow!

Ultimate Guide of Christian Financial Gurus- Who you should Follow.

The rich rule over the poor, and the borrower is servant to the lender.
Proverbs 22:7

crossWhose wisdom you would follow in terms of financial advice is up to you and who seems to speak the truth for you. There are many financial gurus out there giving sound advice on living within your means and keeping away from financial ruin.

Financial peace isn’t the acquisition of stuff. It’s learning to live on less than you make, so you can give money back and have money to invest. You can’t win until you do this. –Dave Ramsey

Dave Ramsey has the largest following on the internet with “The Dave Ramsey Show” has many internet resources he uses to communicate

Active on Google Plus, Dave Ramsey recent post:


He had tips on making extra cash while you start changing your budgeting including:

  •         Cello lessons
  •         Making cakes
  •         Poop-scooping service
  •         You Pick It Pumpkin Patch
  •         Driving Seniors to Appointments

His Youtube channel has many stories of people who get debt free by using his advice as well as even the discussion section of Youtube filling with people asking questions on what to invest or what they should o in their circumstances.

You must gain control over your money or the lack of it will forever control you. –Dave Ramsey

With an Itunes Podcast , the Dave Ramsey Show, and on his website daveramsey.com with books to sell on “The Legacy Journey”, what the Bible say about money and other books; classes on “Dave’s Plan –Take Control of Your Money!” which includes a DVD HOME STUDY kit “Financial Peace University”, online tools for creating budget,  newsletter and  speaking engagement tour. You can also get a “Total Money Makeover” with a software to carry on your laptop, mobile or desktop tracking your zero-based budget.

You can start with “Seven Baby Steps” and go on to create a budget and read about Budget basics and find out “How to Get Out of Debt” or “The Truth about Debt Reduction”.

It’s almost is easier to ask what software, hardware or media that Dave Ramsey doesn’t use than to list what he does with his Christian based financial business.  If Dave Ramsay resonates with you and his message of “Take Control of Your Money” then you should follow him.

so that the man of God may be thoroughly equipped for every good work. (2 Timothy 3:17)

For a quieter Financial Freedom assistance, Rev. Bob Louder of Christian Financial Ministries with the motto “From Information to Transformation” can help with E-coaching on the internet with “Financial Freedom God’s Way On-Line Academy” in the privacy of your own home.  As well, you can hire Rev. Bob Louder as a personal coach or listen to radio seminars like “Financial Safety for Seniors” and read “A $ Word for Today” with a thought and a prayer for each thought.

Rev. Robert B. Louder, as mentioned on his website, is a Distinguished Military Graduate from the University of Nebraska, MBA through the air Force Institute of Technology from the University of North Dakota, Air War College. A Bible-based financial teacher, trainer, counselor, coach and consultant, Bob has worked with and/or developed and presented materials for organizations such as Christian Financial Concepts (Larry Burkett), Crown Financial Ministries, and the Lampo Group (Dave Ramsey).  His local, regional and national radio and TV experience including TV appearances on the 700 club, with the late Dr. D. James Kennedy, and on the nationally syndicated Fox TV Network.  Bob authored several Bible-based financial E-Books and a wide variety of articles and reports for the Christian Post, The American Family Association, and several Christian newspapers and magazines.  He provides Bible-based financial newsletters to subscribers in 19 countries.

Join a Community of Christians who want to Live Debt Free and Give More

Christian Personal Finance is a resource for Christians to get practical tips, biblical revelation, and wisdom about how to handle our money. According to Bob Lotich, you should appreciate your wealth.

Bob used his passion for personal finance to launch his award-winning blog, ChristianPF.com, in 2007.

The site has seen over 20 million visitors since inception and his writing and advice have been featured in

Men’s Health Magazine, Forbes, Real Simple Magazine, Yahoo Finance, and many others.

Bob has resources including a ‘Getting Started’ course. a FREE 4-week email course containing 20 lessons that will give you actionable steps to help you save hundreds (if not thousands) of dollars a year, get out of debt, better organize and manage your finances, and help you begin planning and preparing for the future. As well he blogs about finances including

5 Question to ask yourself before you begin budgeting

Is Refinancing your Mortgage always a good thing?


5 ways men and women spend money differently

The Female side of Finances

For a female perspective with a financial side, Deborah McNaughton of Financialvictory.com writes on how to get out of debt, credit repair, the mysteries of FICO score and starting your own business. She has written “The Essential Credit Repair Handbook” and “Money Trouble” both available on Amazon.

Deborah is a monthly columnist for First for Women magazine and has been interviewed on hundreds of national television and radio stations, including CNN, Bloomberg Television, and Good Day New York. She has also been quoted as a credit expert in many publications, including Wall Street Journal, New York Times, and Today ‘s Christian Woman.

These are some of the financial gurus out there on the internet who are giving money advice with a Christian theme.  Whether you will follow one of these gurus or others, it will depend on your beliefs and whether their message inspires you.  Do you have any other Christian Financial Gurus that you would like to include here?

What does the bible say about money?

Just What Does the Bible Say About Money?


People have differing opinions about what the Bible says about money. Some say it says money is evil and others claim it says God wants His followers to be wealthy. Neither is quite true. Often, people have these opinions based in misquoted or misinterpreted verses. This results in people thinking of the Bible and money being like oil and water and do not mix.

The Bible has a lot to say about money, both good and bad. In 1 Timothy 6:10, it says “For the love of money is a root of all kinds of evil. Some people, eager for money, have wandered from the faith and pierced themselves through with many griefs.” This verse is often misquoted to say that money is the root of all evil. But in reading the verse, it is clear that it is not the money that is evil but the love of it that is.

This is not to say that the Bible says people should not be wealthy. Far from it. There is no problem with having a lot of money as long as that does not become the focus of a person’s life or how he measures his worth. One verse that explains a good attitude toward money is Luke 14:12-14, which says “When you give a luncheon or a dinner, do not invite your friends, your brothers or relatives, or your rich neighbors; if you do, they may invite you back and so you will be repaid. But when you give a banquet, invite the poor, the crippled, the lame, the blind, and you will be blessed. Although they cannot repay you, you will be repaid at the resurrection of the righteous.” Another verse says that a man who only wants to gain more wealth and keep it to himself will lose his wealth while a man who shares what he has with those in need will be richly rewarded.

The first five books of the Bible, which is called the Torah in Judaism, called for the minting of a special coin to be used for paying the Temple taxes. The coin is called the “widow’s mite” and had low enough value that even the poorest people would have little difficulty getting it for the Temple tax. Everyone paid Temple taxes and paid the same amount regardless of wealth or lack of wealth. The reason for this was so the poor were not humiliated because they could not pay and the rich could not boast about paying more than someone else.

The Torah also said money was to be used to pay restitution when someone wronged another person. Money was also given as guilt offerings in the Temple. Money was clearly not considered something to avoid having. How it is used is what made the difference. Attitude about money is what makes it evil or a blessing. The Bible and money are not at odds. Money is a tool that can be used for good or evil and it is up to the one who has it to determine which it is.

Never Forget: We Will Take Nothing Out of the World

take nothingAs Christians in the personal finance world, we walk a fine line. We need to advocate for personal financial responsibility, for being productive, for being good stewards of our money and for providing reasonably for contingencies for ourselves and our families. That effort has long armsâ”it extends to income, debt, investing, retirement planning and a host of other money related activities.

Against that backdrop we also have consider another reality that our faith teaches us: we will not be here forever. That has broad implications for our finances.

We’re not building empires here

In 1 Timothy 6:7-10, the Apostle Paul tells us:

For we brought nothing into the world, and we can take nothing out of it. But if we have food and clothing, we will be content with that. People who want to get rich fall into temptation and a trap and into many foolish and harmful desires that plunge men into ruin and destruction. For the love of money is a root of all kinds of evil. Some people, eager for money, have wandered from the faith and pierced themselves with many griefs.ââ”1 Timothy 6:7-10 (NIV)

While it’s clear that we need to provide financially for ourselves and our families, we must always guard against taking those activities too far. If we pursue that goal too zealously we risk deserting our faithâ”of gaining the whole world yet losing our souls (Matthew 16:26).

We’re not building empires here on earth, not financial or any other way. All the great empires of history have collapsedâ”the Egyptians, Babylonians, Romans and every other since. Our own little empires❠will go the same way, no matter how well we plan them or how much we fund them. And nothing that we do can possibly insulate us from all forms of misfortune.

Take care of your finances, but understand that it has limits and keep a sense of proportion as you do.

Building walls around your stuff

Life in the 21st Century seems like the quest for stuff. We save for it, borrow for it and when we have it we revel in it, care for it, insure it and protect it. For that last part, we have fences and home security systems. We cherish our stuff as if it defines us.

The world does this, and we follow suit. But what does the world think when it sees us doing the same? Should we be handling it in a different way, and maybe trying to make a different statement? Should Christians have a different attitude toward stuff at all?

A house full of stuff will have no value in eternity.

Money and possession are only tools

Money and possessions can be great blessings. They can free us to concentrate on Kingdom work, on spreading the Gospel more fearlessly, and on helping those around us who are in need. Money and possessions therefore, are not evil in themselves.

More than anything though, it’s our own attitudes toward money and possessions that are most significant. Do we see them merely as tools that God has blessed us with, or do we put them up on an altar and worship them? If we allow them to define us in any way, or feel that we can’t part with them, then worship is exactly what we’re doing.

People are more important

Money can be a blessing, but only if we use it to bless others. We can and should enjoy some of our money, but at the same time we need to consider that the world is filled with struggling people. We need to be doing something for them where ever we can. No, we can’t fix all the problems of the world, but we can help a few people along the path of life.

Money is one way we can do that. And just like tithing, one of the spiritual sacrifices we make by helping others with money is that we’re letting go of moneyâ”our money. It’s not that we don’t value money or that it isn’t important to us, but rather that there are other things we consider to be more important.

And faith is more important still

We won’t take money and possessions out of the world with us, but there is one thing that we will take with us, and that’s our faith. If we think it’s important to guard our money, it’s infinitely more important that we guard and grow our faith.

Money can serve us during the course of our lives, but it’s purpose will stop at the grave. Faith will serve us for eternity. We should never let it take a backseat to our finances.

Our eternal salvation is not determined by a stellar credit rating, a fat retirement plan, a paid off home, or by the biggest collection of possessions we can afford. It will come only from our faith in Jesus Christ.

I am the way and the truth and the life. No one comes to the Father except through me.ââ”John 14:6

All the money in the world can’t buy that for us, but it could do a great job of getting in the way.

photo by nzgabriel

5 Things the Bible Says About Materialism in Ecclesiastes

materialism and the bibleOne of the hardest things for Christians to deal with, especially those living in Western countries like the United States, is materialism.

We are constantly bombarded with messages, often subliminal, in the form of signs, commercials, advertisements, magazines, online columns, and overall culture that our self-worth is determined by the possessions we own, whether it be in the form of wealth, property, houses, cars, educational pedigree, or career.

The Prosperity Gospel, which preaches heretical teachings about God’s purpose for our life, only makes this more difficult for Christians to wade through. Often, since this false gospel placates to our natural imperfections and selfishness as humans, it is easy to become consumed with surrounding one’s self with whatever possession they crave or seek most.

Fortunately, the Bible provides us with plenty of warnings on materialism written by men who either saw how rampant it was in their society or those who engaged in it themselves and lived to rue it.

One of the most vivid, descriptive, and compelling accounts is found in Ecclesiastes.

Written by King Solomon, the wisest man ever to live save for Jesus Christ, the book is a reflection on the life he had lived, particularly the latter part, where he fell away from God and succumbed to major sins – including materialism. 1 and 2 Chronicles, as well as 1 Kings, recounts how Solomon turned away from God. Ecclesiastes is essentially not only an elongated apology on Solomon’s behalf, but it is written as a warning to all others on the consequences of poor choices.

Materialism is one of the major topics he discusses in the book.

There are five critical things he said about it that Christians today would be wise to note, as well as some fictional and real life examples.

1. It is idolatry

Ecclesiastes 3:14 I know that everything God does will endure forever; nothing can be added to it and nothing taken from it. God does it so that people will fear him.

Materialism puts something other than God as an idol to be worshiped. Materialists make sacrifices to their idol in terms of time, money, energy, passion, hope, and even love. But even if they happen to achieve what they seek, God will still prevent them from enjoying it. If the purpose of seeking something is based on one’s worship of it, there is no point in it.

As I wrote in a previous column about the story of the rich young man and Jesus, the moral of the story wasn’t that the man was sinful because he was rich, but because he loved money more than Jesus. He was not willing to give up his wealth in order to follow Jesus. It was more important to him than than God.

2. It is all-consuming

Ecclesiastes 4:8: There was a man all alone; he had neither son nor brother. There was no end to his toil, yet his eyes were not content with his wealth. For whom am I toiling,❠he asked, and why am I depriving myself of enjoyment?❠This too is meaningless┠a miserable business!

A person who obsesses about owning possessions – whether it is obtaining a Ph.D. or a purchasing a new Corvette – will become so consumed with pursuing it that they will neglect more important matters in life. They will put it ahead of their relationships with their family, friends, and spouses. Or, it can even be possessing many relationships or friends; this too will rob someone of their relationship with God.

Ebenezer Scrooge from Charles Dickens’ classic story “A Christmas Carol” is one of the finest literary examples of such a man. Enough though he is rich and successful, he is a lonely, greedy, cankerous old man. After spending his entire life pursuing money, he finally realizes he has in consequence shunned his nephew, his only living relative, a girl whom he fell in love with but left him when his love for money replace it, and a family of his own, like his underpaid clerk, Bob Cratchit. When shown what the future may bring, he watches as his possessions are sold following his death, proceeded by a funereal that attracts few.

3. It is counter-productive

Ecclesiastes 4:4: And I saw that all toil and all achievement spring from one person’s envy of another. This too is meaningless, a chasing after the wind.

The whole point of materialism is that one can find contentment and happiness by owning something. But the problem with this belief is it is a lie. Materialism subliminally teaches it is necessary to own what other people own by promoting jealousy and envy; if your neighbor owns a yacht or a cabin, then it inspires you to seek one out due to envy. This produces a “keeping up with the Jones‘” mentality whereby a person becomes entrapped in a situation where they must buy things, not because they personally enjoy them, but in order to maintain the same level of appearance as their neighbor. But it does not ever create a lasting happiness.

Just as the Lernaean Hydra in Greek mythology would grow two heads for every one lost, as soon as one possession desired is obtained, a person immediately loses interest in it and desires something else’s their neighbor owns.

The whole point of materialism is supposed to bring happiness by possessing, but in the end it only causer deeper and greater unhappiness because it produces only temporary bouts of superficial elation, much like a sugar or caffeine high. There’s always a crash.

4. It is unsatisfying

Ecclesiastes 5:10: Whoever loves money never has enough; whoever loves wealth is never satisfied with their income. This too is meaningless.

When asked how much money is enough, Andrew Carnegie was said to have replied, “Just a little bit more.”
This may have been said in jest, however, because Carnegie also said that a man that dies rich “thus dies disgraced.” In other words, he criticized the accumulation of money for the mere sake of wealth.

People often wonder why wealthy individuals, whatever their background may be, so often resort to breaking the law in order to obtain even more money and or possessions than what they already have. The answer is that it isn’t enough, because if money is the specific craving a person has who subscribes to materialism, it is a life purpose, not an objective. There is never an exact amount of money that will satisfy. As Carnegie said, a person will always need “just a little bit more.”

Yet, as I have written before in previous columns, having wealth or being rich is not a sin; putting it above God, however, is.

5. It is ultimately futile

Ecclesiastes 5:15 Everyone comes naked from their mother’s womb, and as everyone comes, so they depart. They take nothing from their toil that they can carry in their hands.

In the end, everyone is going to die. When they do, all the money, possessions, education and whatever else they have accumulated will be left here on earth, regardless of where they ultimately go. The Rembrandt painting will stay on the wall. So will the collection of rare coins or the library of first editions.

But, most importantly, none of these will be there for entirety. Everything material will be destroyed.

A person is born with nothing and when they die they take none of it with them. For someone who lives in an area that suffers from natural disasters, war, famine, or instability, this is easy to understand. For Christians who live in places where such situations are rare, it is easy to forget that nothing will go with them when they die. It will stay behind. Or, it could be taken away in an instant. What this means is that a person’s worth is not defined by what they own but by God. And the only wealth that will go with you when you die will be the acts of righteousness credited to you.

So the next time we feel pressured to buy or accumulate something in order to feel either a sense of belonging or self-worth, we need to remember men like John the Baptist. He had no home. He wore clothes of camel’s hair and a leather belt. He ate locust and honey for sustenance. He didn’t have two coins to rub together. He had no livestock, property, or position. He died while suffering in a prison.

Solomon, on the other hand, had riches beyond measure, hundreds of wives, and a lavish palace, yet in the end it was meaningless to him.

Additionally, while Solomon was the wisest man on earth, Jesus said no man born of woman was greater than John.

photo by Axiom 23

Why Do We Worry About Money?

moneyAs a Christian is worrying about money ever an issue for you? Be honest! Jesus specifically instructed us not to worry in general, and we can presume that includes money:

âSo do not worry, saying, â˜What shall we eat?’ or â˜What shall we drink?’ or â˜What shall we wear?’ For the pagans run after all these things, and your heavenly Father knows that you need them. But seek first his kingdom and his righteousness, and all these things will be given to you as well. Therefore do not worry about tomorrow, for tomorrow will worry about itself. Each day has enough trouble of its own.ââ”Matthew 6:31-34

So why do we worry about money (or anything else) if he told us not to worry? I have some theoriesâ¦

The world tells us to worry

Advertising uses all kinds of methods to sell products, and one of them is fear. Fear generates worry, and worry moves us to actionâ”which in this case is buying what the advertiser is selling.

If you watch TV, listen to the radio, or even surf the internet you’re being bombarded by messages of fear–but here’s our Miracle Brand X will give you a better life (by making your fears go away). If you doubt this, pay close attention to advertisements for prescription drugs, legal services, political ads or those ambulance chaser commercials that are all over TV.

Much of the news media operates the same wayâ”it’s called shock value. It’s a sad fact but news that’s most likely to get and hold our attention is that which stimulates fear. We listen with baited breath as the professional looking anchor gives us the daily litany of murder, mayhem, war, terrorism or that Product X that might be kill us.

The financial universe does it’s own dog-and-pony show at the worry mill. You need to prepare for this, and prepare for that, and by the way, you probably don’t know about this but you should be concerned (worried) about⦠At some level it’s even implied that if you aren’t worried, you might even be irresponsible.

Worry is one of the dominant messages of the world we live in and it’s hard to ignore it no matter how great our faith. And since the world sees money as the answer to all problems, worry in general translates into worry about money.

Strike One against us.

The crisis on the horizon looks more imminent than our salvation

Worry is an emotion, not a product of logic. I may be a person of the deepest faith, but if there’s a runaway train coming at me, I’m worried. That’s how we often see life. Our salvation is out there at some point in the future, but crisis often surrounds us in the now.

It’s not that we doubt our salvation, but before that comes, we still have to still have to deal with this week, this month, this year and all the way through to retirement. It all requires money, and that’s why we worry about money.

Worry is an expression of our deepest fears

We grow into adults, but there’s always that little child inside who’s at least a little bit scared. When we grow up however, we replace words like fear❠and scared❠with worryâ; worry is what adults do when we’re scared. But I think that we’re hard wired for fear and worry; like sin it’s part of the human condition. It does however serve as a survival skillâ”by worrying we can move ourselves out of danger.

And once again, since Man believes that all problems can be solved with money, we spend a lot of time worrying specifically about money. To worry about money is something of the catchphrase that summarizes all that we worry about.

I think Jesus knew this when he gave us the passage above, and that’s why the theme is repeated in so many ways throughout Scripture. We need to constantly be reminded not to fear, not to worry.

Preparation can go a long way toward eliminating worry

Jesus told us not to worry, that much is clear. But at the same time, he didn’t tell us not to prepare. Perhaps we worry most about what we are least prepared for. For example, how will I survive if I lose my job? Will I be able to get another job? Will I be able to afford to put my kids through college? Will I have enough money for a comfortable retirement?

I think the key here is to spend less time worrying and more time preparing for these, and that’s even Biblical. In Proverbs 22:3 God tells usâ¦

âThe prudent see danger and take refuge, but the simple keep going and pay the penalty.â

In this verse, the person described as prudent is preparing by taking action (taking refuge). The simple person ignores the problem and suffers a predictable fate. We don’t know if worry figures into the prudent persons thought process, but he’s moved enough to take action so it may well be.

How does that relate to our modern day worries about money? We can reduce our worrying by taking action, such as getting out of debt, saving up money and living within our means. Those steps will give us some sense of control over the unknownâ”we can never be ready for anything, but we can be prepared to deal with most problems that money might solve. And those that money won’t solve or those that are beyond our financial ability to deal with?

That’s where we need to trust God for the outcome. We can only do what we can do, and beyond that we have to let go. Money, after all, won’t fix all of our problems, so there’s no point worrying about it. All we can do is prepareâ¦and trust.

And maybe that’s the answer to balancing worry with trust. Worry enough to do what you can, and trust enough for anything more.

Do you worry much about money? How do you reconcile that worry with your faith?

photo by imagesofmoney

Why Your Beliefs are Essential to Good Finances

beliefs essential to financesI get asked occasionally why I’m so inclined towards saving and conserving. Every frugal person has their own background story on what turned them into budget-conscious individuals.

For me, it was a combination of several factors ranging from my childhood to my own personal development.

My household was not exactly what you would call liberal when it came to spending. While kids now are touting iPads, laptops, and brand new video game systems left and right, the phrase “We can’t afford that!” was uttered on a daily basis by my parents, mostly at the grocery store.

We weren’t poor, but we didn’t waste money on unnecessary purchases. If we purchased what we need, nothing more. We had an old TV, drove old cars, and I rarely ever wore new clothes. Most of them either hand-me-downs from friends and distant relatives. This helps explain to some of my friends why in my childhood pictures I’m always wearing Utah Jazz shirts (my mother is from Utah).

As a result, I did not acquire the sense of entitlement that plagues a lot of young people. The impression I got was that if you had food and clean clothes, it was enough. The concept of an allowance was as foreign to us as sushi.

Let me put it in perspective for those of you who lived before the Internet age. When I was in first grade, my brother and I were at a garage sale, where there was a regular Nintendo (NES) for sale, complete with a TV, remote control, two controllers and a Zapper gun, plus Super Mario Brothers and Gauntlet. All for $15.

We had to beg – on our knees – to convince our parents it was a worthwhile purchase. And then we had to pay for it by doing additional chores around the house.

Another part of it, incidentally, was biblical. In church, our entire congregation recited the Lord’s Prayer aloud during Sunday worship. The version we used had us saying, “forgive us our debts, as we forgive our debtors,❠so the concept of being a debtor seemed highly undesirable to me, even though I had yet to read any verses discussing debt.

Additionally, after spending time with families of varying income statuses, I realized that the definition of “rich,” “poor,” “wealthy,” and “impoverished” are all a matter of perspective. In my hometown, my neighborhood was considered the “poor” area, where the average house was worth $300,000. When I went to college, however, most of the students thought of me as rich just because I came from the Seattle area.

And, frankly, I’ve always preferred having less than having more. The more wealth and possessions you have, the greater luxuries and amenities you own, the harder it is to let go, whether you are forced to or circumstances demand it. I learned through the years that expecting money, rather than attempting to earn it honestly, was a bad recipe for life.

I saw this with other kids my age who were raised to believe there are short cuts to success and loopholes that can be exploited. They racked up large student loans, which they spent on things other than their education, all without asking whether or not they would be able to pay it off when they graduated. They are the ones, I’ve found, who have the hardest time trying to be frugal, because they believe they must maintain a lifestyle that is consistent with someone else’s, whom they consider to set the definition of their living standard.

This is why I strongly believe that frugality starts with one’s perspective and mentality. Unless you actually believe you need to save, you won’t be able to resist the temptation to spend when you come across something you badly want to buy. An individual’s attitude is the most important contribution to making good financial decisions.

It’s like anything in life. The first step is to develop the right mindset.

So for those who are trying to get their financial house in order, here is a list of little ten commandments to consider.

Being wealthy only means what you want it to mean, nothing more.
There is a fundamental difference between what needs and wants; one is few and defined, the other is limitless and is never satisfied.
Aside from a house mortgage and a few other exceptions, debt is bad.
True success requires hard work and determination. Distrust any easy❠routes offered to you.
Trying to keep up with the Joneses is like trying to keep up with the wind.
If you are not content with what God has given you, you will never be content with what you want Him to give you.
A person should be defined not by what they consume, but what they produce.
The most valuable things in life cannot be bought or sold.
When you die, you should have greater treasures stored up in Heaven than treasures you accumulated on Earth.
You have many freedoms, but no entitlements. Act as though you will receive nothing and must earn everything in life.

The Bible and Finance: The Myth of the Prosperity Gospel

prosperity gospelIn my last article, I talked about the story of the rich young man and how finances is merely one of many idols people can have in front of God.  I also pointed out that the Bible does not condemn wealth, per se, but what is done with it.  On the other side of the coin, however, is one of the more subversive beliefs today within the Christian Church: The Prosperity Gospel.

Pure heresy at it’s finest

Make no mistake about it; it is more than a simple misunderstanding or poor reading of Scriptures; it’s pure heresy.  The Prosperity Gospel teaches that if you are a “good” Christian, you will be rewarded with success in worldly endeavors, i.e. your wishes and desires, whatever they may be, will be fulfilled.

Christianity, under this Gospel, becomes a mathematical formula in which your righteousness is directly proportional to your worldly blessings.  In America and many developed nations, this false Gospel has taken root due to our unparalleled degree of personal and national wealth.

Preachers and followers of this Gospel use examples from the Bible where righteous men such as the patriarchs (Abraham, Isaac, and Jacob) were all wealthy, as were kings such as David and Solomen, under whom gold became so common that it was practically worthless.
One such verse they use to advocate this belief comes from Psalms 37:4

“Delight yourself in the Lord and he will give you the desires of your heart.”


False teachers are everywhere

What makes this belief so subversive and destructive is that those who promote it do not do so blatantly, but discreetly.  Prosperity Gospel preachers and churches will not state directly that if you are poor or financially struggling that you are somehow less of a Christian than someone who is rich. If you listen to their sermons, however, and listen carefully to what they are actually saying, there is a subtle, yet unmistakable theme that righteousness is connected to worldly success. Their sermons consist of how if you accept God as your savior everything in your life will get better and the things you desire can be gained through “trusting God.”

They will quote Scripture, such as Deuteronomy 30:15-20, where God promises blessings on those who are obedient to his word and trouble on those who do not.
Or they will point out stories such as King Manasseh (2 Chronicles 33:1-20) and King Nebuchadnezzar (Daniel 4:28-36). Both were torn from their throne and riches because of their flagrant disobedience to God. After they turned back to Him, their kingdoms and riches were restored to them.

Yet, the Prosperity Gospel falls apart under the weight of both Scripture and the example Jesus set for Christians.  All one need do is point to Jesus’ warning in John 16:33:

“In this world you will have trouble. But take heart! I have overcome the world!”

Yes, there were men in the Bible who were blessed with wealth for their faithfulness.  There were also men who were not, and it had nothing to do with their faith.

The Prophet Elijah lived penniless and homeless for years while he prophesied against King Ahab. He was so poor he had to beg a woman, who was on the cusp of starvation, for food.

John the Baptist lived a spartan-like existence in the desert by himself, subsisting off of locust and honey. All he had for clothes was a leather belt and camel hair. He was ultimately was beheaded by King Herod.

Yet, in both instances, these men were praised for their righteousness. Elijah was taken up into Heaven and did not experience death. Jesus called John the greatest man – aside from himself – who ever lived.
It’s absurd that such a belief like the Prosperity Gospel has taken root, since the entire Book of Job is dedicated to squashing this attitude. Unfortunately the sad truth is that it is easy for us to jump to the same conclusion as those who follow the Prosperity Gospel.


Bible and modern day

Sometimes it can be hard to understand Biblical stories without giving them a modern comparison. As I pointed out in my previous article, Job was probably the richest man who ever lived. The Bible says he owned 7,000 sheep, 3,000 camels, 500 oxen, 500 donkeys, as well as the necessary servants to tend to these flocks. He also had a large family, seven sons and three daughters. Later chapters in the book imply he also held considerable sway over the political issues in his region and was well-respected.

Try to imagine a billionaire businessman/politician who had a large, closely-knit family, power and influence on a national level, and outwardly showed every sign of godliness.
Then suddenly, he loses everything he owns through a series of natural and unnatural events in a single day, along with all of his children. Shortly after, he is stricken with a myriad of diseases and illnesses.

Our first reaction to such news would be, sadly, predictable.  What did he do to make God so angry at him?  According to the Prosperity Gospel, this is the only possible explanation. Why else would God cause one of his followers so much pain?

This is exactly what Job’s friends believed; the the Book of Job contains long lectures Job’s friends give him, telling him he had to have sinned horribly in order to have brought such a disaster down on himself, and that only by repentance could things change.

Job knew in his heart this was not so. While he did not understand why God has caused him so much sorrow, he knew that it had not been because of anything he had done.
Job 2:10 is probably the best verse to dismantle the Prosperity Gospel.

“Shall we accept good from God, and not trouble?”

Only the reader is aware that Job is being tested by God to see if he will hold onto his faith after losing everything.

In the end, God chastised Job’s friends for their false teachings, which is essentially the Prosperity Gospel, and rewarded Job for not accepting it by returning his wealth, then doubling it.

Inasmuch as Job contradicts the Prosperity Gospel, the rest of the Bible is full of examples which disprove this myth.

Not one of Jesus’ disciples ever became rich; they all died gruesome, horrific deaths preaching the Gospel. The Apostle Paul was flogged, whipped, stoned, beaten, ship wrecked, and finally beheaded.

Other Christians in the first century were covered in pitch and burned as torches by Nero or torn to pieces by wild beasts in the Colosseum because they refused to recant their faith. Martyrs like Polycarp and John Hus were burned to death.


What about the rest of the world?

To this day, Christians in Africa and the Middle East are martyred or live in constant fear of death or imprisonment.

If the Prosperity Gospel is true, then what are they doing wrong?  The sad truth is that this heresy only exists in developed countries, such as America, because only in such countries would it ever make any logical sense. Insomuch as people complain about income inequality and the 99 vs. 1 percent, we have attained such luxury that all one has to do is avoid making poor life choices and one can still live a life of relative affluence.

In Third World countries, where death, war, terror, disease, and persecution are commonplace, the Prosperity Gospel and its believers would be ridiculed. In developed countries, proclaiming faith in Jesus Christ will bring scorn or ridiculed, but in countries like Iran or Afghanistan, it’s akin to signing one’s own death warrant.


Prosperity gospel a bunch of non-sense

The Prosperity Gospel is essentially a blend of Christian gnosticism and eastern religions’ belief in karma, where the unfathomable complexity of God’s divine plan for the individual and all of mankind is reduced down to a facile modus operandi. It also takes away the true purpose for following God and replaces it with the greed desire for possessions.

Nowhere in Scripture does it guarantee that a Christian will live a life blessed with material possessions if they follow God. Any verses used to promote this idea are twisted and taken out of their proper context.

The Apostle Paul and the other authors of the News Testament state a very consistent message; if you are faithful to God, he will strengthen you spiritually. He will enable you to accomplish great things in advance of the Gospel.

He will not, however, necessarily make life easy in terms of finances or anything else. As I stated before, however, this also does not mean that as Christians we are commanded to be poor or shun wealth. Wealth can be a sign of God’s blessing on an individual, but it also may simply be an indication of what a person truly worships in life.

Christians should never look at their worldly possessions, financial security, or social status as an indication of their favor with God.  Rather, they ask themselves how great their wealth is that they have stored up for themselves in Heaven.

As Jesus said,

“For where your treasure is, there your heart will be also” (Matthew 6:21).

199 Bible Verses About Money & Finances

bible verses on moneyHere are 199 Bible verses related to money.  There are plenty more, but I have selected these to be the most applicable.  FYI, most of these verses are from the NIV.  There may be some from other versions.  Go ahead and bookmark this post if you want, I know I will!

When things get tough, it’s always great to have Bible verses to remind you that God is by your side always.  These verses are organized by popular personal finance issues that we all deal with on a daily basis.  The topics will be in bold font.  Enjoy!



Genesis 12:2-3
I will make you into a great nation and I will bless you; I will make your name great, and you will be a blessing. I will bless those who bless you, and whoever curses you I will curse; and all peoples on earth will be blessed through you.

Genesis 22:15-18
The angel of the LORD called to Abraham from heaven a second time and said, “I swear by myself, declares the LORD, that because you have done this and have not withheld your son, your only son, I will surely bless you and make your descendants as numerous as the stars in the sky and as the sand on the seashore. Your descendants will take possession of the cities of their enemies, and through your offspring all nations on earth will be blessed, because you have obeyed me.

Genesis 26:2-5
The LORD appeared to Isaac and said, “Do not go down to Egypt; live in the land where I tell you to live. Stay in this land for a while, and I will be with you and will bless you. For to you and your descendants I will give all these lands and will confirm the oath I swore to your father Abraham. I will make your descendants as numerous as the stars in the sky and will give them all these lands, and through your offspring all nations on earth will be blessed, because Abraham obeyed me and kept my requirements, my commands, my decrees and my laws.

Genesis 48:15-16
Then he blessed Joseph and said, “May the God before whom my fathers Abraham and Isaac walked, the God who has been my shepherd all my life to this day, the Angel who has delivered me from all harm â”may he bless these boys. May they be called by my name and the names of my fathers Abraham and Isaac, and may they increase greatly upon the earth.

Deuteronomy 7:12-15
If you pay attention to these laws and are careful to follow them, then the LORD your God will keep his covenant of love with you, as he swore to your forefathers. He will love you and bless you and increase your numbers. He will bless the fruit of your womb, the crops of your landâ”your grain, new wine and oilâ”the calves of your herds and the lambs of your flocks in the land that he swore to your forefathers to give you. You will be blessed more than any other people; none of your men or women will be childless, nor any of your livestock without young. The LORD will keep you free from every disease.

Psalm 1:1
Blessed is the man who does not walk in the counsel of the wicked or stand in the way of sinners or sit in the seat of mockers.

Psalm 67:1-2
May God be gracious to us and bless us and make his face shine upon us, that your ways may be known on earth, your salvation among all nations.

Ezekiel 34:25-26
I will make a covenant of peace with them and rid the land of wild beasts so that they may live in the desert and sleep in the forests in safety. I will bless them and the places surrounding my hill. I will send down showers in season; there will be showers of blessing

Luke 11:28
He replied, “Blessed rather are those who hear the word of God and obey it.”

Ephesians 1:3
Praise be to the God and Father of our Lord Jesus Christ, who has blessed us in the heavenly realms with every spiritual blessing in Christ.

James 1:12
Blessed is the man who perseveres under trial, because when he has stood the test, he will receive the crown of life that God has promised to those who love him.

Revelation 1:3
Blessed is the one who reads the words of this prophecy, and blessed are those who hear it and take to heart what is written in it, because the time is near.



Proverbs 3:9-10
Honor the Lord with your wealth and with the first fruits of all your produce; then your barns will be filled with plenty, and your vats will be bursting with wine.

Proverbs 6:6-8
Go to the ant, sluggard; consider her ways and be wise; who, having no guide, overseer, or ruler, provides her food in the summer and gathers her food in the harvest.

Proverbs 22:3
A prudent one foresees the evil and hides himself, but the simple pass on and are punished.

Proverbs 21:5
The thoughts of the diligent tend only to plenty; but the thoughts of everyone who is hasty only to poverty.

Proverbs 21:17
Whoever loves pleasure will be a poor man; he who loves wine and oil will not be rich.

Proverbs 24:3-4
Through wisdom a house is built, and by understanding it is established; and by knowledge the rooms shall be filled with all precious and pleasant riches.

Proverbs 25:28
He who has no rule over his own spirit is like a broken down city without a wall.

Proverbs 27:12
A sensible man watches for problems ahead and prepares to meet them. The simpleton never looks, and suffers the consequences.

Proverbs 27:23
Know well the face of your flocks; set your heart on your herds.

Proverbs 27:26
The lambs are for your clothing, and the goats are the price of the field.

1 Corinthians 16:2
On the first day of every week each one of you is to put aside and save, as he may prosper, so that no collections be made when I come.

Luke 14:28-30
For which of you, intending to build a tower, does not sit down first and count the cost, whether he may have enough to finish it; lest perhaps, after he has laid the foundation and is not able to finish, all those seeing begin to mock him, saying, This man began to build and was not able to finish.



Proverbs 6:6-11
Go to the ant, you sluggard;  consider its ways and be wise!  It has no commander,  no overseer or ruler,  yet it stores its provisions in summer  and gathers its food at harvest.  How long will you lie there, you sluggard?  When will you get up from your sleep?  A little sleep, a little slumber,  a little folding of the hands to rest-and poverty will come on you like a bandit  and scarcity like an armed man.

Genesis 41:39-41
Then Pharaoh said to Joseph, “Since God has made all this known to you, there is no one so discerning and wise as you. 40 You shall be in charge of my palace, and all my people are to submit to your orders. Only with respect to the throne will I be greater than you.” 41 So Pharaoh said to Joseph, “I hereby put you in charge of the whole land of Egypt.” 42 Then Pharaoh took his signet ring from his finger and put it on Joseph’s finger. He dressed him in robes of fine linen and put a gold chain around his neck. 43 He had him ride in a chariot as his second-in-command, and men shouted before him, “Make way!” Thus he put him in charge of the whole land of Egypt.

Hebrews 13:17
Obey your leaders and submit to their authority. They keep watch over you as men who must give an account. Obey them so that their work will be a joy, not a burden, for that would be of no advantage to you.”

Leviticus 4:22
When a leader sins unintentionally and does what is forbidden in any of the commands of the LORD his God, he is guilty.

Psalm 25:9
He leads the humble in what is right, and teaches them his way.â

Proverbs 21:20
In the house of the wise are stores of choice food and oil,  but a foolish man devours all he has.

Ephesians 4:29
Let no unwholesome word proceed from your mouth, but only such a word as is good for edification according to the need of the moment, so that it will give grace to those who hear.

Ephesians 6:7
Serve wholeheartedly, as if you were serving the Lord, not men.

Ecclesiastes 4: 9-10, 12
Two are better than one, because they have a good return for their work: 10 If one falls down, his friend can help him up. But pity the man who has no one to help him up! ⦠12 Though one may be overpowered, two can defend themselves. A cord of three strands is not quickly broken.

Luke 16:8-13
The master commended the dishonest manager because he had acted shrewdly. For the people of this world are more shrewd in dealing with their own kind than are the people of the light. 9 I tell you, use worldly wealth to gain friends for yourselves, so that when it is gone, you will be welcomed into eternal dwellings.  Whoever can be trusted with very little can also be trusted with much, and whoever is dishonest with very little will also be dishonest with much. 11 So if you have not been trustworthy in handling worldly wealth, who will trust you with true riches? 12 And if you have not been trustworthy with someone else’s property, who will give you property of your own?  No servant can serve two masters. Either he will hate the one and love the other, or he will be devoted to the one and despise the other. You cannot serve both God and Money.”

Exodus 18:15-22
Moses’ father-in-law said to him, â˜What you are doing is not good. You and the people with you will certainly wear yourselves out, for the thing is too heavy for you. You are not able to do it alone. Now obey my voice; I will give you advice, and God be with you! You shall represent the people before God and bring their cases to God and you shall warn them about the statutes and the laws, and make them know the way in which they must walk and what they must do. Moreover, look for able men from all the people, men who fear God, who are trustworthy and hate a bribe, and place such men over the people as chiefs of thousands, of hundreds, of fifties, and of tens. And let them judge the people at all times.’â

Exodus 32: 19-32
Moses saw that the people were running wild and that Aaron had let them get out of control and so become a laughingstock to their enemies. 26 So he stood at the entrance to the camp and said, “Whoever is for the LORD, come to me.” And all the Levites rallied to him.  Then he said to them, “This is what the LORD, the God of Israel, says: ‘Each man strap a sword to his side. Go back and forth through the camp from one end to the other, each killing his brother and friend and neighbor.’ ” The Levites did as Moses commanded, and that day about three thousand of the people died. 29 Then Moses said, “You have been set apart to the LORD today, for you were against your own sons and brothers, and he has blessed you this day.



Philippians 4:12
I know what it is to be in need, and I know what it is to have plenty. I have learned the secret of being content in any and every situation, whether well fed or hungry, whether living in plenty or in want.

1 Timothy 6:8
But if we have food and clothing, we will be content with that.

Luke 3:14
Then some soldiers asked him, And what should we do?❠He replied, Don’t extort money and don’t accuse people falselyâ”be content with your pay.â

Song of Solomon 8:10
She I am a wall, and my breasts are like towers. Thus I have become in his eyes like one bringing contentment.

Ecclesiastes 4:8
There was a man all alone; he had neither son nor brother. There was no end to his toil, yet his eyes were not content with his wealth. For whom am I toiling,❠he asked, and why am I depriving myself of enjoyment?❠This too is meaningless┠a miserable business!

Psalm 131:2
But I have calmed and quieted myself, I am like a weaned child with its mother; like a weaned child I am content.

Genesis 25:27
The boys grew up, and Esau became a skillful hunter, a man of the open country, while Jacob was content to stay at home among the tents.

Joshua 7:7
And Joshua said, Alas, Sovereign LORD, why did you ever bring this people across the Jordan to deliver us into the hands of the Amorites to destroy us? If only we had been content to stay on the other side of the Jordan!

Daniel 4:4
I, Nebuchadnezzar, was at home in my palace, contented and prosperous.

Job 36:11
If they obey and serve him, they will spend the rest of their days in prosperity and their years in contentment.

Proverbs 19:23
The fear of the LORD leads to life; then one rests content, untouched by trouble.

Proverbs 13:25
The righteous eat to their hearts’ content, but the stomach of the wicked goes hungry.

Philippians 4:11
I am not saying this because I am in need, for I have learned to be content whatever the circumstances.

1 Timothy 6:6
But godliness with contentment is great gain.

Hebrews 13:5
Keep your lives free from the love of money and be content with what you have, because God has said, Never will I leave you; never will I forsake you.â

Job 1:21
and said:Naked I came from my mother’s womb, ⨠and naked I will depart. â¨The LORD gave and the LORD has taken away; ⨠may the name of the LORD be praised.â

Proverbs 15:15
All the days of the oppressed are wretched, ⨠but the cheerful heart has a continual feast.



Deuteronomy 15:6
For the LORD your God will bless you as He has promised you, and you will lend to many nations, but you will not borrow; and you will rule over many nations, but they will not rule over you.

Psalm 37:21
The wicked borrows and does not pay back, but the righteous is gracious and gives.

Proverbs 22:7
The rich rules over the poor, and the borrower becomes the lender s slave.

Romans 13:8
Owe nothing to anyone except to love one another; for he who loves his neighbor has fulfilled the law.

Proverbs 22:26-27
Do not be a man who strikes hands in pledge or puts up security for debts; if you lack the means to pay, your very bed will be snatched from under you

Deuteronomy 28:12
The LORD will open for you His good storehouse, the heavens, to give rain to your land in its season and to bless all the work of your hand; and you shall lend to many nations, but you shall not borrow.

Ecclesiastes 5:5
It is better that you should not vow than that you should vow and not pay

Matthew 5:42
Give to him who asks of you, and do not turn away from him who wants to borrow from you.

Proverbs 3:27-28
Do not withhold good from those to whom it is due, when it is in your power to do it. Do not say to your neighbor, “Go, and come back, and tomorrow I will give it,” when you have it with you.

Exodus 22:25
If you lend money to My people, to the poor among you, you are not to act as a creditor to him; you shall not charge him interest.

Leviticus 25:35-37
Now in case a countryman of yours becomes poor and his means with regard to you falter, then you are to sustain him, like a stranger or a sojourner, that he may live with you. Do not take usurious interest from him, but revere your God, that your countryman may live with you. You shall not give him your silver at interest, nor your food for gain.

Deuteronomy 23:19-20
You shall not charge interest to your countrymen: interest on money, food, or anything that may be loaned at interest. You may charge interest to a foreigner, but to your countrymen you shall not charge interest, so that the Lord your God may bless you in all that you undertake in the land which you are about to enter to possess.

Proverbs 28:8
He who increases his wealth by interest and usury gathers it for him who is gracious to the poor.


Hard Times  

Romans 8:35, 37-39
Who shall separate us from the love of Christ? Shall trouble or hardship or persecution or famine or nakedness or danger or sword? No, in all these things we are more than conquerors through him who loved us. For I am convinced that neither death nor life, neither angels nor demons, neither the present nor the future, nor any powers, neither height nor depth, nor anything else in all creation, will be able to separate us from the love of God that is in Christ Jesus our Lord.

2 Corinthians 1:8
We do not want you to be uninformed, brothers, about the hardships we suffered in the province of Asia. We were under great pressure, far beyond our ability to endure, so that we despaired even of life.

2 Corinthians 6:3-5
We put no stumbling block in anyone’s path, so that our ministry will not be discredited. Rather, as servants of God we commend ourselves in every way: in great endurance; in troubles, hardships and distresses; in beatings, imprisonments and riots; in hard work, sleepless nights and hunger;

2 Corinthians 12:10
That is why, for Christ’s sake, I delight in weaknesses, in insults, in hardships, in persecutions, in difficulties. For when I am weak, then I am strong.

1 Thessalonians 2:9
Surely you remember, brothers, our toil and hardship; we worked night and day in order not to be a burden to anyone while we preached the gospel of God to you.

2 Timothy 2:3
Endure hardship with us like a good soldier of Christ Jesus.

2 Timothy 4:5
But you, keep your head in all situations, endure hardship, do the work of an evangelist, discharge all the duties of your ministry.

Hebrews 12:7
Endure hardship as discipline; God is treating you as sons. For what son is not disciplined by his father?

James 1:2-4
Consider it pure joy, my brothers, whenever you face trials of many kinds, because you know that the testing of your faith develops perseverance. Perseverance must finish its work so that you may be mature and complete, not lacking anything.

Revelation 2:3
You have persevered and have endured hardships for my name, and have not grown weary.



Ecclesiastes 11:2
Give portions to seven, yes to eight, for you do not know what disaster may come upon the land.

Galatians 6:7
Do not be deceived: God cannot be mocked. A man reaps what he sows.

Proverbs 6:6-8
Go to the ant, you sluggard; consider its ways and be wise! It has no commander, no overseer or ruler, yet it stores its provisions in summer and gathers its food at harvest.

Proverbs 13:11
Dishonest money dwindles away, but he who gathers money little by little makes it grow.

Proverbs 28:20
A faithful man will be richly blessed, but one eager to get rich will not go unpunished.

Proverbs 24:27
Finish your outdoor work and get your fields ready; after that, build your house.

Matthew 6:33
But seek first his kingdom and his righteousness, and all these things will be given to you as well.



Proverbs 21:5
The plans of the diligent lead surely to advantage, but everyone who is hasty comes surely to poverty.

Proverbs 22:3
The prudent sees the evil and hides himself, but the naive go on, and are punished for it.

Proverbs 24:3-4
By wisdom a house is built, and by understanding it is established; and by knowledge the rooms are filled with all precious and pleasant riches.

Luke 14:28-30
For which one of you, when he wants to build a tower, does not first sit down and calculate the cost to see if he has enough to complete it “Otherwise, when he has laid a foundation and is not able to finish, all who observe it begin to ridicule him, saying, ‘This man began to build and was not able to finish. ‘”

1 Corinthians 16:1-2
Now concerning the collection for the saints, as I directed the churches of Galatia, so do you also. On the first day of every week each one of you is to put aside and save, as he may prosper, so that no collections be made when I come.

Proverb 16:9
A man s heart deviseth his way: but, the Lord directeth his steps.

Proverbs 24:27
Prepare your work outside and make it ready for yourself in the field; afterwards, then, build your house.

Genesis 41:34-36
Let Pharaoh take action to appoint overseers in charge of the land, and let him exact a fifth of the produce of the land of Egypt in the seven years of abundance. “Then let them gather all the food of these good years that are coming, and store up the grain for food in the cities under Pharaoh’s authority, and let them guard it. “Let the food become as a reserve for the land for the seven years of famine which will occur in the land of Egypt, so that the land will not perish during the famine.

Ecclesiastes 11:2
Divide your portion to seven, or even to eight, for you do not know what misfortune may occur on the earth.

Proverbs 6:6-8
Go to the ant,o sluggard, observe her ways and be wise, which, having no chief, officer or ruler, prepares her food in the summer and gathers her provision in the harvest.

Proverbs 15:22
Without consultation, plans are frustrated, but with many counselors they succeed.



Matthew 19:29
And everyone who has left houses or brothers or sisters or father or mother or children or farms for My name’s sake, will receive many times as much, and will inherit eternal life.

Ephesians 3:20
Now to Him who is able to do far more abundantly beyond all that we ask or think, according to the power that works within us,

Psalm 37:4
Delight yourself in the Lord; And He will give you the desires of your heart.

Joshua 1:8
This book of the law shall not depart from your mouth, but you shall meditate on it day and night, so that you may be careful to do according to all that is written in it; for then you will make your way prosperous, and then you will have success.

1 Chronicles 22:12
Only may the Lord give you wisdom and understanding, and give you charge concerning Israel, that you may keep the law of the Lord your God. Then you will prosper, if you take care to fulfill the statutes and judgments with which the Lord charged Moses concerning Israel. Be strong and of good courage; do not fear nor be dismayed.

Psalm 1: 1-3
Blessed is the man who does not walk in the counsel of the wicked or stand in the way of sinners or sit in the seat of mockers. But his delight is in the law of the LORD, and on his law he meditates day and night. He is like a tree planted by streams of water, which yields its fruit in season and whose leaf does not wither. Whatever he does prospers.

Psalm 122:6
Pray for the peace of Jerusalem: “May they prosper who love you.

Matthew 6:4
That your charitable deed may be in secret; and your Father who sees in secret will Himself reward you openly.

3 John 1:2
Beloved, I pray that you may prosper in all things and be in health, just as your soul prospers.

Genesis 26:12
Then Isaac sowed in that land, and reaped in the same year a hundredfold; and the Lord blessed him

Proverbs 10:22
The blessing of the Lord makes one rich, and He adds no sorrow with it.

Proverbs 13:11
Wealth obtained by fraud dwindles, but the one who gathers by labor increases it.

Malachi 3:10
“Bring all the tithes into the storehouse, that there may be food in My house, And try Me now in this,” Says the Lord of hosts, “If I will not open for you the windows of heaven And pour out for you such blessing that there will not be room enough to receive it.

Genesis 39:3
Now his master saw that the Lord was with him and how the Lord caused all that he did to prosper in his hand.

2 Chronicles 31:21
Every work which he began in the service of the house of God in law and in commandment, seeking his God, he did with all his heart and prospered.

Psalm 35:27
Let them shout for joy and rejoice, who favor my vindication; and let them say continually, “The Lord be magnified, who delights in the prosperity of His servant.”

Philippians 4:19
And my God will supply all your needs according to His riches in glory in Christ Jesus.

Deuteronomy 8:18
Remember the Lord your God, for it is He who gives you the ability to produce wealth.”

Deuteronomy 15:10
You shall generously give to him, and your heart shall not be grieved when you give to him, because for this thing the Lord your God will bless you in all your work and in all your undertakings.



Nehemiah 6:9
For they all made us afraid, saying, Their hands shall be weakened from the work, that it be not done. Now therefore, O God, strengthen my hands.

1 Kings 17:13-16
And Elijah said unto her, Fear not; go and do as thou hast said: but make me thereof a little cake first, and bring it unto me, and after make for thee and for thy son.  For thus saith the LORD God of Israel, The barrel of meal shall not waste, neither shall the cruse of oil fail, until the day that the LORD sendeth rain upon the earth.  And she went and did according to the saying of Elijah: and she, and he, and her house, did eat many days.  And the barrel of meal wasted not, neither did the cruse of oil fail, according to the word of the LORD, which he spake by Elijah.

Psalm 37:25
I have been young, and now am old; yet have I not seen the righteous forsaken, nor his seed begging bread.

Matthew 6:31-32
Therefore take no thought, saying, What shall we eat? or, What shall we drink? or, Wherewithal shall we be clothed?  (For after all these things do the Gentiles seek:) for your heavenly Father knoweth that ye have need of all these things.

Matthew 7:11
If ye then, being evil, know how to give good gifts unto your children, how much more shall your Father which is in heaven give good things to them that ask him?

Luke 12:7
But even the very hairs of your head are all numbered. Fear not therefore: ye are of more value than many sparrows.

John 21:6
And he said unto them, Cast the net on the right side of the ship, and ye shall find. They cast therefore, and now they were not able to draw it for the multitude of fishes.

2 Corinthians 9:8
And God is able to make all grace abound toward you; that ye, always having all sufficiency in all things, may abound to every good work:

Philippians 4:19
But my God shall supply all your need according to his riches in glory by Christ Jesus.



Proverbs 16:31
Gray hair is a crown of splendor; it is attained by a righteous life.

Proverbs 17:6
Grandchildren are the crown of the aged, and the glory of children is their fathers.

Jeremiah 29:11
For I know the plans I have for you,❠says the LORD. They are plans for good and not for disaster, to give you a future and a hope.

Psalm 37:25
I have been young, and now am old; yet have I not seen the righteous forsaken, nor his seed begging bread.

Psalm 71:9
Cast me not off in the time of old age; forsake me not when my strength faileth.

Psalm 92:14
They shall still bring forth fruit in old age; they shall be fat and flourishing;

Isaiah 46:4
And even to your old age I am he; and even to hoar hairs will I carry you:  I have made, and I will bear; even I will carry, and will deliver you.

Isaiah 46:3-4
Listen to me, O house of Jacob, all you who remain of the house of Israel, you whom I have upheld since you were conceived, and have carried since your birth. Even to your old age and gray hairs I am he, I am he who will sustain you. I have made you and I will carry you; I will sustain you and I will rescue you.

Psalm 71:9
Cast me not off in the time of old age;  forsake me not when my strength faileth.

Psalm 92:14
They shall still bring forth fruit in old age; they shall be fat and flourishing.



1 Corinthians 16:2
On the first day of every week each one of you is to put aside and save, as he may prosper, so that no collections be made when I come.

Proverbs 6:6-8
Go to the ant, sluggard; consider her ways and be wise; who having no guide, overseer, or ruler, provides her food in the summer and gathers her food in the harvest.

Proverbs 19:2
Also it is not good for a person to be without knowledge, and he who hurries his footsteps errs.

Proverbs 21:5
The plans of the diligent lead surely to advantage, but everyone who is hasty comes surely to poverty.

Proverbs 21:20
The wise man saves for the future but the foolish man spends whatever he gets

Proverbs 27:12
A prudent man sees evil and hides himself, the naive proceed and pay the penalty

Proverbs 30:24-25
Four things are small on the earth, but they are exceedingly wise: The ants are not a strong people, but they prepare their food in the summer;

Ecclesiastes 11:2
Divide your portion to seven, or even to eight, for you do not know what misfortune may occur on the earth.



Matthew 22:21
They said to Him, Caesar’s.❠Then He said to them, Then render to Caesar the things that are Caesar’s; and to God the things that are God’s.

Romans 13:7
Render to all what is due them: tax to whom tax is due; custom to whom custom; fear to whom fear; honor to whom honor.



Ephesians 5:20
Giving thanks always and for everything to God the Father in the name of our Lord Jesus Christ,

Psalm 118:1-18
Oh give thanks to the Lord, for he is good; for his steadfast love endures forever! Let Israel say, His steadfast love endures forever.❠Let the house of Aaron say, His steadfast love endures forever.❠Let those who fear the Lord say, His steadfast love endures forever.❠Out of my distress I called on the Lord; the Lord answered me and set me free.

Psalm 105:1
Oh give thanks to the Lord; call upon his name; make known his deeds among the peoples!

Psalm 107:1
Oh give thanks to the Lord, for he is good, for his steadfast love endures forever!

Psalm 106:1
Praise the Lord! Oh give thanks to the Lord, for he is good, for his steadfast love endures forever!

2 Corinthians 9:15
Thanks be to God for his inexpressible gift!

Colossians 3:15-17
And let the peace of Christ rule in your hearts, to which indeed you were called in one body. And be thankful. Let the word of Christ dwell in you richly, teaching and admonishing one another in all wisdom, singing psalms and hymns and spiritual songs, with thankfulness in your hearts to God. And whatever you do, in word or deed, do everything in the name of the Lord Jesus, giving thanks to God the Father through him.

James 1:17
Every good gift and every perfect gift is from above, coming down from the Father of lights with whom there is no variation or shadow due to change.

Colossians 4:2
Continue steadfastly in prayer, being watchful in it with thanksgiving.

1 Thessalonians 5:18
Give thanks in all circumstances; for this is the will of God in Christ Jesus for you.

Colossians 3:15
And let the peace of Christ rule in your hearts, to which indeed you were called in one body. And be thankful.

Romans 1:21
For although they knew God, they did not honor him as God or give thanks to him, but they became futile in their thinking, and their foolish hearts were darkened.

Psalm 20:4
May he grant you your heart’s desire and fulfill all your plans!

Acts 2:38
And Peter said to them, Repent and be baptized every one of you in the name of Jesus Christ for the forgiveness of your sins, and you will receive the gift of the Holy Spirit.

John 3:16
For God so loved the world, that he gave his only Son, that whoever believes in him should not perish but have eternal life.

Romans 6:23
For the wages of sin is death, but the free gift of God is eternal life in Christ Jesus our Lord.

1 Thessalonians 5:21
But test everything; hold fast what is good.

Ephesians 2:8
For by grace you have been saved through faith. And this is not your own doing; it is the gift of God,

Ephesians 1:11
In him we have obtained an inheritance, having been predestined according to the purpose of him who works all things according to the counsel of his will.



Genesis 14:20
Melchizedek comes out to meet Abraham, as Abraham gives him atithe  of the spoils of his victory.

Genesis 28:20-22
After the vision of God’s renewed covenant, Jacob initiates a covenant with God vowing to give him a tithe of what he receives from the promised land.

Leviticus 27:30-32
The specifications of the tithe is introduced into the law of Moses.

Numbers 18:21
The tithe is dedicated the Levites for the work in the tabernacle.

Deuteronomy 12:5-11
God gives instructions for what to do with the tithe once Israel crosses the Jordan.

Deuteronomy 14:22-29
God gives instructions on how to disperse and exchange the tithe.

Deuteronomy 26:12-15
God gives instructions on how Israel should sanctify the tithe before they can ask for a blessing.

2 Chronicles 31:5-12
The children of Israel do what’s right under the reign of Hezekiah, and bring the tithes to the designated places.

Nehemiah 10:37-38
Israel obeys God and brings the tithes to the storehouse.

Nehemiah 12:44
Officers were appointed to watch over the tithes in the storehouse.

Nehemiah 13:5-12
Nehemiah cleanses the storehouse and kicks Tobiah out of the room that was designated to store the tithe. He then restores order.

Amos 4:4
God commands Israel to bring back the tithe and reiterates the curse that is upon them if they don’t.

Malachi 3:8-10
God reprimands Israel for not delivering the tithe, and reiterates the blessings and curse that would be in result of whatever decision they chose.

Matthew 23:23
Jesus rebukes the Pharisees for not obeying the weightier matters of the law along with tithing.

Luke 11:42
A parallel passage of  Matthew 23:23  as Jesus rebukes the Pharisees for not obeying the weightier matters of the law along with tithing.

Luke 18:12
A Pharisee brags about his obedience to the law and tithing.

Hebrews 7:5-9
Abraham’s tithe is used to illustrate a change concerning the priesthood.



Deuteronomy 15:10
Give generously to them and do so without a grudging heart; then because of this the LORD your God will bless you in all your work and in everything you put your hand to.

Deuteronomy 24:14
Do not take advantage of a hired worker who is poor and needy, whether that worker is a fellow Israelite or a foreigner residing in one of your towns.

Psalm 90:17
May the favor of the Lord our God rest on us; establish the work of our hands for us-yes, establish the work of our hands.

Psalm 128:2
You will eat the fruit of your labor; blessings and prosperity will be yours.

Proverbs 12:11
Those who work their land will have abundant food, but those who chase fantasies have no sense.

Proverbs 14:23
All hard work brings a profit, but mere talk leads only to poverty.

Proverbs 18:9
One who is slack in his work is brother to one who destroys.

Ecclesiastes 3:22
So I saw that there is nothing better for a person than to enjoy their work, because that is their lot. For who can bring them to see what will happen after them?

Ecclesiastes 4:9
Two are better than one, because they have a good return for their labor:

Isaiah 64:8
Yet you, LORD, are our Father. We are the clay, you are the potter; we are all the work of your hand.Luke 10:40
But Martha was distracted by all the preparations that had to be made. She came to him and asked, “Lord, don’t you care that my sister has left me to do the work by myself? Tell her to help me!”

John 5:17
In his defense Jesus said to them, “My Father is always at his work to this very day, and I too am working.”

John 6:27
Do not work for food that spoils, but for food that endures to eternal life, which the Son of Man will give you. For on him God the Father has placed his seal of approval.

Acts 20:35
In everything I did, I showed you that by this kind of hard work we must help the weak, remembering the words the Lord Jesus himself said: ‘It is more blessed to give than to receive.’

1 Corinthians 4:12
We work hard with our own hands. When we are cursed, we bless; when we are persecuted, we endure it;

1 Corinthians 15:58
Therefore, my dear brothers and sisters, stand firm. Let nothing move you. Always give yourselves fully to the work of the Lord, because you know that your labor in the Lord is not in vain.

Colossians 3:23
Whatever you do, work at it with all your heart, as working for the Lord, not for human masters,

1 Thessalonians 4:11
…and to make it your ambition to lead a quiet life: You should mind your own business and work with your hands, just as we told you,

2 Thessalonians 3:10
For even when we were with you, we gave you this rule: “The one who is unwilling to work shall not eat.”

Hebrews 6:10
God is not unjust; he will not forget your work and the love you have shown him as you have helped his people and continue to help them.

1 Timothy 4:10
That is why we labor and strive, because we have put our hope in the living God, who is the Savior of all people, and especially of those who believe.



When Borrowing Money is a Responsible Act

There are a multitude of Bible verses that speak to the hazards of borrowing money. And they speak a truth: being in debt that is hard to manage can force a compromise of the person who is in debt. Owing money is about more than dollars and cents â“ it’s something that can plague the soul and force decisions that the borrower might not have to otherwise make.

And yet, we live in a world that is structured around debt. It is impossible for anyone in the middle class to get a four-year college degree, purchase a home or even purchase an airline ticket without taking out a loan (with a credit card). Whether that loan comes from a family member, a credit union, a bank, a credit card or another type of lender, a loan still amounts to debt.

Because of the cultural-situational necessity of borrowing, we have legal instruments that help all involved â“ lenders and borrowers â“ approach these loan agreements with honor and honesty. When you agree to a repayment plan, and you honor the agreement, you are fulfilling your obligations. Sometimes, insurance is built into such plans â“ such as the PMI (private mortgage insurance) attached to home loans where the down payment is less than 20 percent of the home’s purchase value. That insurance is taken out for the sake of the bank, and the borrower pays the premium because it is a required responsibility built into the lending agreement.

Quick loans (such as paycheck cash advances) are in many ways the same thing. This is the kind of loan that is readily found online (here is one example, the quickquid loan), replacing the bricks-and-mortar version of quick loans that have existed for decades. The borrower needs to weigh whether this type of short-term loan at a modest amount is the right thing to do.

The decision might be seen as the following choice, between (a) and (b):

(a) The purpose of the fast cash loan is to purchase a plane ticket to visit an ill relative, or to pay bills on time (to avoid late fees or service cut off), or to repair a car that is necessary for commuting to a job.

(b) The purpose of the quick loan is to take an R&R❠trip (such as a beach vacation), purchase gifts, purchase finer clothing or entertainment electronics.

For reasons that should be obvious, choice (a) is the most responsible choice. All of which is to say, your reasons for using the loan funds â“ in addition to honoring your repayment agreements â“ are the means for evaluating the rectitude of taking out the loan .